Send us a text Pennies To Pounds presents Where We Learned It, a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience. Hosted by Kia Commodore, this discussion brings together Emmanuel Asuquo, Angel Arutura, Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community. Together, they unpack where we really learned about money growing up, the unspoken financial rules that shaped us, and how a new ...
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Send us a text Pennies To Pounds presents Where We Learned It, a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience. Hosted by Kia Commodore, this discussion brings together Emmanuel Asuquo, Angel Arutura, Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community. Together, they unpack where we really learned about money growing up, the unspoken financial rules that shaped us, and how a new ...
Send us a text Pennies To Pounds presents Where We Learned It, a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience. Hosted by Kia Commodore, this discussion brings together Emmanuel Asuquo, Angel Arutura, Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community. Together, they unpack where we really learned about money growing up, the unspoken financial rules that shaped us, and how a new ...
Send us a text We’ve all copied money advice we thought would make us rich — but what if it’s actually keeping you broke? In this episode, Kia is joined by Kennie Bukky, finance expert and money strategist, to separate the smart moves from the scams. From the worst financial advice that still goes viral, to the habits that quietly build wealth over time, Kennie is here to cut through the noise. 💡 We get into: The biggest money myths keeping Gen Z and Millennials brokeWhy “looking rich” and be...
Send us a text Forget what you’ve heard — apprenticeships aren’t just for people who “couldn’t get into uni.” In this episode, Kia sits down with Elijah, founder of The Black Apprentice Network, to break down the truth about degree apprenticeships, why they deserve way more respect, and how they can set you up for success — without £30K of student debt. We get into: 💡 The biggest myths about apprenticeships (and why they’re wrong) 💡 The hidden benefits no one talks about — from networking t...
Send us a text In this episode, we’re joined by Elvire Matu, aka SaveWithElvs, the go-to plug for money-saving hacks, smart spending tips, and real-life cheat codes for surviving (and thriving) in 2025. From travel deals and cashback apps to lifestyle traps and common money leaks, Elvire is breaking down how to stretch your cash without shrinking your lifestyle. 💡 We cover: The biggest spending mistakes people make without realisingThe apps and browser hacks Elvire swears byHow to afford more...
Send us a text In this episode, writer, financial educator and all-around gem Anna Brading joins Kia to unpack the real link between money and confidence, why financial advice often leaves women behind, and what it actually takes to rewrite your money story in your 20s and 30s. From early money trauma to navigating imposter syndrome and building a life on your own terms, Anna shares the lessons she’s learned and the bold decisions that changed everything. We talk about: Why your confidence sh...
Send us a text In this episode of Pennies to Pounds, Kia unpacks what it really means to enjoy life without sabotaging your financial future. Forget the old-school advice about constant sacrifice — this one’s about balance, strategy and enjoyment. Here’s what you’ll get: Smart ways to enjoy luxury on a budget (yes, including travel)The spending hack that keeps guilt out of your purchasesWhy a little planning goes a long way with flights, hotels and upgradesHow to make your lifestyle work for ...
Send us a text The finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money. This episode explores how AI can work for you rather than replace you. APPS MENTIONED: Cleo - https://web.meetcleo.com/Emma - https://emma.to/kiacommodorePlum - https://friends.withplum.com/r/x92P009iFMFreetrade - https://magic.freetrade.io/join/kia/07e18a08Moneybox - https://www.moneyboxapp.com...
Send us a text This episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision. We discuss: Turning something you love into a business can bring unexpected challenges that make it harder to enjoy at first Money problems can be challenging to handle ...
Send us a text In this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection, life insurance, and critical illness coverage so you can make informed choices about your financial security. Here’s what we’re unpacking: Why the unexpected can happen anytime, and how to be prepared.The importance of income protection and how it keeps you covered if things go wrong.What...
Send us a text In this episode, we’re exploring Cashblack, a game-changing cashback platform supporting Black-owned businesses and fostering community growth. We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind building trust with users and established brands. Key highlights include: • The origin story of Cashbla...
Send us a text In this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover: • Understanding the concept of money on autopilot • Importance of mindset when managing finances • Overcoming fear of losing...
Send us a textJust graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one.Here’s what we’re covering:Unlock your future: Why workplace pensions are your secret weapon for long-term savings.Invest in YOU: Explore employer-backed opportunities to grow your skills and income.Meal prep vs. eating out: How everyday choices can save you big bucks.Plan your next move: Set yourself up f...
Send us a textIn this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸Here’s what we’re unpacking:• The 50/30/20 method and why it’s a game-changer• Zero-based budgeting for ultimate money control• How to adapt the ca...
Send us a textIt’s time to stop wishing and start winning with your finances! In this episode, Kia breaks down the art of setting financial goals that you’ll actually achieve. Using the SMART framework, she shows you how to turn your big dreams into actionable plans that deliver real results. 💸Here’s what we’re covering:✨ Why vague goals won’t cut it and how to get specific✨ The power of progress checkpoints to keep you on track✨ How to set goals that are realistic, achievable, and life-chang...
Send us a textWhat if you could completely transform your money game in just 12 days? On today’s episode of the Pennies To Pounds Podcast, we’re kicking off our special series, The 12 Days of Finance, to help you avoid the financial traps that leave you feeling broke and set yourself up for success in 2025.In this episode, we’re covering:✨ Why lifestyle inflation is sabotaging your progress✨ How to budget without feeling restricted✨ The non-negotiable need for an emergency fund✨ Tackling high...
Send us a textWith the new year almost upon us, we’re bringing you a new series for the next twelve days! The Pennies To Pounds ‘12 Days Of Finance’ series is dedicated to helping you level up your finances in 2025 and beyond.Each episode will be no longer than 10 minutes long and contain actionable steps to master your money. We’ll also answer some dilemmas and common questions, offering actionable advice.Want to join us? Follow the Pennies To Pounds Podcast wherever you listen to your podca...
Send us a textIn this episode, we’re breaking down everything you need to know about credit scores — what they are, why they matter, and how they can impact your financial journey. I’ll walk you through the basics, including the three credit reference agencies in the UK (Experian, Equifax, and TransUnion) and explain why your credit score might look different depending on where you check it.We’ll also talk about practical ways to build and improve your credit, whether starting from scratch or...
Send us a textThis week's episode we're joined by Maya, host of Maya’s Minutes podcast, to discuss finances in relation to love and womanhood. We explore the dynamics of observing your partner's money habits and why understanding these early on can prevent future conflict. The discussion extends to the pressures surrounding motherhood and career choices, and things that women can do to financially prepare for starting a family.FOLLOW MAYA'S MINUTES:TikTok - https://www.tiktok.com/@mayasminute...
Send us a textThis episode features Mary Felicia, a degree apprentice who has been scaling within the property industry since the age of 17. Mary chose a degree apprenticeship over the traditional university route, and she shares her experience. Mary’s story is not just inspirational but also packed with practical advice—whether it’s about mastering the build-to-rent sector or using social media for lead generation. FOLLOW MARY FELICIA:Instagram - https://www.instagram.com/maryfeliciaa/T...
Send us a textWhat does turning a prison sentence into a mission for social change take? Meet Sobanan Narenthiran, the CEO of Breakthrough Social Enterprise, who shares his extraordinary journey from medical school to prison and beyond. We discuss his experience in prison, his transition back into medical school and building his business.Sobanan explains how Breakthrough leverages AI to empower underserved communities with financial management tools and career development resources. This epis...
Send us a text Pennies To Pounds presents Where We Learned It, a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience. Hosted by Kia Commodore, this discussion brings together Emmanuel Asuquo, Angel Arutura, Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community. Together, they unpack where we really learned about money growing up, the unspoken financial rules that shaped us, and how a new ...
